When considering USDA loan applicants, we look at the household income, not just the income for the borrower(s) listed on the loan application. The more people in the household, the greater the income limit.

Additionally, we can deduct child care expenses directly from your and your husband's gross income. That may serve well to bring your income within the limits.

If don't mind, please tell me what county you are in within Michigan and how many people are in your household.

I all else fails, FHA may be a great option for you. The down payment is only 3.5%. Hope this helps.

Erin,

Unfortunately no, that will not solve the issue. USDA looks at HOUSEHOLD income, regardless if one or both of you are on the loan.

I hope that helps.


Derek Bauer, Associate Broker / Realtor
Real Estate One
http://DoorToDreams.com
Derek@DoorToDreams.com
734.678.4745

This would be a great question for your lender. My understanding is that you would have to qualify using both of your incomes. Try the link below, it will have more information for you.

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

Best of luck!
Trey Miller
Prudential Tropical Realty